One of the quickest and easiest ways to get a clear picture of your finances is to track your spending. When you know where every penny is going, you can make informed decisions about your money and how to manage it. In fact, I don't think you can truly get your finances in order without tracking … [Read more...]

Photo Credit: Dawn Armfield
Learning to budget is an important first step in financial management. A budget helps you manage your spending habits and set and reach goals. Without my budget, I'd be lost.
But it's not always important to stick to a budget. In fact, there are a few instances … [Read more...]

If you read the Globe and Mail or CBC’s coverage of the Canadian housing market, you’d think this country was one of the most expensive places on earth to live. While that may be true for the two hottest housing markets that are grabbing headlines (Toronto and Vancouver), the reality is the rest of … [Read more...]

I've had an emergency fund since I started paying back my debt four years ago. At first, it was tiny, just $2,500. It wasn't much, but it was enough to get me through unexpected expenses like car repairs and emergency vet bills. It didn't give me much coverage for larger emergencies, but it did its … [Read more...]

The evolution of my credit card use has been an exciting journey. The first credit card I ever had was a student visa. It only had a $500 limit, and I used it pretty sparingly. I still remember my first ever purchase, a pair of rubber boots to make it through my winter slog back and forth to my … [Read more...]